the government has written laws -- as a practical matter, in answer to the e-mails, if a tree falls on someone's car their insurance company will pay them for the cost and they will go after the homeowner foursquare up with the homeowner's insurance carrier because these carriers have a lot of credits because they are [talking over each other] [talking over each other] judge napolitano: quickly laid out as a lot of homeowner policies have exemptions in them for damage caused by rain, flood, you have to be careful what it is, a rare homeowners policy colors flood. you have to carry from a carrier which carries it from the federal government. that is the only source -- ashley: a very high deductibles. >> from a trader, a friend at the stock exchange, from fairfield beach, bay shore. you can see the home. and in the stock exchange, what is the best bet to go with that? that is atrocious. judge napolitano: if they do not have flood insurance from the federal government is a rare and in my experience on her of homeowner's policy in the northeast that covers flood insurance. they have to pay